Are Home Warranties Worth It for Clearwater Residents?
Yes, home warranties are worth it for Clearwater residents. Summers in Clearwater are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Winters in Clearwater are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
The frequent rain in Clearwater can damage your roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when choosing your home warranty plan.
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty costs between $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your specific needs before choosing a plan.
Figure out which systems and appliances you use the most. You want your home warranty plan to cover these items. Most home warranties can be tailored to your needs, and many companies offer systems-only plans for those who only want select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Typically, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, routine maintenance, theft, or defects are also not covered. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
Provider reputation is another key factor to consider. You can read customer reviews on sites such as Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles claims and customer service. Check with the Florida Division of Consumer Services to verify that a provider holds a license with the state.
Take into account a home warranty company's service provider network. Ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Rural homeowners may prefer home warranty policies that allow you to choose your technician. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Clearwater
Do I need a home warranty in Clearwater?
What are preexisting conditions?
What is Clearwater's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
How can I maximize the value of my home warranty?
To share feedback or ask a question about this article, send a note to our Reviews Team at email@example.com.